Welcome to Sprika

These Terms and Conditions ("Terms") govern your use of the Sprika website and services provided by Sprika ("we," "us," or "our"). By accessing or using our website and services, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.

1. Acceptance of Terms

By using the Sprika website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and any other policies referenced herein.

2. Services Provided

Sprika facilitates financial services through partnerships with financial institutions. These services include, but are not limited to, IPO facilitation, debentures, invoice factoring, surety bonds, LC discounting, and ECBs. Sprika does not directly release funds but connects businesses with financial service providers through our portal.

3. Eligibility

To use our services, you must be at least 18 years old and capable of entering into a legally binding agreement. By using our services, you represent and warrant that you meet these eligibility requirements.

4. User Responsibilities

You agree to: Provide accurate and complete information when registering for our services. Use our services only for lawful purposes and in accordance with these Terms. Maintain the confidentiality of your account information and notify us immediately of any unauthorized use of your account.

5. Fees and Payments

Sprika may charge fees for certain services. All fees will be disclosed to you prior to your use of the services. By using the services, you agree to pay all applicable fees and charges.

6. Intellectual Property

All content, trademarks, logos, and other intellectual property on the Sprika website are owned by or licensed to Sprika. You may not use, reproduce, distribute, or create derivative works from our content without our express written permission.

7. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis. Sprika makes no warranties, express or implied, regarding the accuracy, reliability, or availability of our services. We do not warrant that our services will be uninterrupted or error-free.

8. Limitation of Liability

To the fullest extent permitted by law, Sprika shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use our services; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; (iii) any interruption or cessation of transmission to or from our services; or (iv) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our services by any third party.

9. Indemnification

You agree to indemnify, defend, and hold harmless Sprika, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our services, your violation of these Terms, or your infringement of any rights of another.

10. Termination

Sprika reserves the right to terminate or suspend your access to our services, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the services will immediately cease.

11. Changes to Terms

We may modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services following the posting of revised Terms means that you accept and agree to the changes.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Mumbai.

13. Contact Us

If you have any questions about these Terms, please contact us at: info@sprikafintech.com